For people whose

Not sure what we mean by credit needs improvement?

You've had a loan, credit card or line of credit for more than one year
In the last two years, you've paid back debts to creditors (with no defaults)
You've haven't had more than two missed payments on your credit in the last three months
Your household income is more than $10,000

Cash Back Guaranteed MasterCard^® for Gas & Groceries

You're guaranteed a card that'll earn you 2% cash back on gas and grocery purchases.

Not available to residents of QC, NT, NU, or YT

Cash Back Guaranteed MasterCard for Gas and Groceries from Capital One Canada

2% cash back on your gas and grocery purchases!

You'll earn 2% cash back on all your gas and grocery purchases at major gas stations and grocery stores¹. Plus, you'll earn 1% cash back on all your other purchases.

Use your Guaranteed Cash Back card at these participating merchants and get 2% cash back.

Gas Stations

Grocery Stores

Petro Canada
Esso
Sunoco
Ultramar
Shell

OLCO
Irving
Domo
Flying J
Husky

Loblaws
Sobeys
Metro
Safeway
Zehrs

No Frills
Real Canadian Superstores
Food Basics
Fortinos

Getting your cash is easy.

With No Hassle Rewards^TM, redeeming has never been easier – your cash back rewards never expire and there's no limit to how much you can earn. Better yet, you choose how you'd like your cash, either by cheque or a statement credit.

Guaranteed approval.

Whether it's a Gold or a Secured MasterCard, you're guaranteed a card that'll earn you 2% cash back on many of your daily purchases. (If you get a Secured card, it'll require affordable security funds.)

What's a Secured card?

A Secured MasterCard gives you access to credit, just like any other credit card. The only difference is that you need to provide security funds as collateral before you can receive your card and access your credit.

Build or strengthen your credit history.

Using your Guaranteed MasterCard responsibly can help you build or strengthen your credit history because we report payment history to the credit bureaus every month (make sure you pay at least your minimum balance on time each month).

Your Approval is Guaranteed if:

You don't have an existing Capital One account
You haven't had a Capital One account that was in bad standing at any time within the last 12 months before applying
You haven't applied for a Capital One account within the last 65 business days
You live in and are age of majority in AB, BC, MB, NB, NL, NS, ON, PE or SK

If you're approved for a Secured card you'll need to provide security funds by cheque or money order (but we'll let you know if this is needed).

Not available to residents of QC, NT, NU, or YT

Card Features

Rewards:
2% cash back on gas purchases

2% cash back on grocery purchases

1% cash back on all your other purchases

Annual Interest Rate: 19.8%

Annual Fee: $79

Add an authorized user for no fee!

Gold MasterCard Benefits

¹ Even though some big box retailers, drug stores and convenience stores also sell gas and/or groceries, purchases made at these locations may not qualify for 2% cash back (this also applies to separate merchants located on their premises). Gas stations and grocery stores have unique merchant codes, and earning rewards is based on these codes. We cannot guarantee that a gas station or grocery store will use these codes. Eligible merchants and merchant categories may change without notice. The gas stations and grocery stores listed do not endorse our products. All trademarks and names displayed are the property of their respective owners.

In addition, we have a number of checkpoints to ensure your identity stays safe during the application process. If we're unable to confirm your identity during the application process, you'll need to go into a Canada Post outlet and provide further identification.